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Self employed, needs maternity Insurance before TTC

Christy_WoodsonChristy_Woodson
in Health & Exercise

Does anyone have any suggestions?

I am a month or two away from leaving my full time job where I have excellent medical benefits. I am leaving to work my business fulltime. We are planning to TTC in July of next year 2011 and I won't have these great benefits anymore. I have looked around and the main carriers all exclude maternity.

Please advise!

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Re: Self employed, needs maternity Insurance before TTC

  • LeoChicLeoChic

    Most private insurance plans offer a maternity rider that you can add onto your plan.  Their basic plans do exclude maternity so you need to ask specifically for the maternity rider. 

    Bear in mind, they are incredibly expensive.  When DH and I were planning for #2, I priced it out and it was going to be an extra $1000 a month on top of our already high premiums. Plus the coverage on it was not that great.  Our out of pocket for prenatal care plus labor and delivery was going to be close to $5000 since I was going to be having a c-section.

    Also most of them will have some sort of waiting period.  When I was researching it most riders had a 12 month waiting period for delivery (so you could get pregnant inside the waiting period, you just couldn't deliver).

    I ended up being offered a position with a company that offered a group plan.  My oldest was at a good age to start daycare and I knew that if we wanted to have our second that I needed an employer based plan.  I worked there for 18 months and didn't return after my maternity leave.  I would recommend trying to maintain some sort of employer based plan in order to have the best maternity coverage possible.

    I was the BEST mom....until I became a mother. Lilypie Kids Birthday tickers Lilypie Second Birthday tickers
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  • pdowning26pdowning26 member

    Christy!

    I am in the IDENTICAL situation!  Right now I am looking into Aflac... it isn't called "Maternity Insurance" BUT they have a plan that offers coverage for the Dr.'s visits while pregnant and the hospital stay when you have baby :) Can't remember the name of the plan but if you go on their website or call and talk to one of the reps(what I did) they were really understand and helpful.

    Pretty reasonably priced to, I think like $80/month. BUT it is supplimental insurance.

    Hope that helps, and good luck!

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